About Us – Akhuwat Loan Scheme

Who We Are?

Akhuwat Loan Scheme is a Sharia-compliant, interest-free microfinance initiative dedicated to empowering underprivileged individuals, small business owners, and entrepreneurs across Pakistan. Inspired by the Islamic principles of Qarz-e-Hasna (interest-free loans), we provide financial assistance without any interest or hidden charges, ensuring ethical and sustainable economic growth.

Our mission is to eliminate poverty by offering easy-access loans ranging from PKR 50,000 to 50 lakh, enabling Pakistanis to start or expand businesses, support agriculture, and achieve financial independence.

📍 Operational Across Pakistan – Serving all provinces (Punjab, Sindh, KPK, Balochistan, AJK, Gilgit-Baltistan).

Our Vision & Core Values

1. Interest-Free Financing (Riba-Free)

  • We strictly follow Islamic banking principles, ensuring 0% interest loans.
  • No exploitation – only fair and ethical support.

2. Poverty Alleviation

  • Targeting low-income families, daily wage earners, and small entrepreneurs.
  • Helping them break the cycle of debt caused by traditional loans.

3. Transparency & Trust

  • No hidden fees, no advance payments.
  • Direct disbursement through verified channels.

4. Women & Youth Empowerment

  • Special focus on female entrepreneurs and young startups.
  • Encouraging self-employment to reduce unemployment.

How Akhuwat Loan Scheme Works?

Unlike conventional banks, we:
✔ Do NOT charge interest – 100% Halal financing.
✔ Require minimal documentation – No unnecessary hurdles.
✔ Disburse loans quickly (2-5 days after approval).
✔ Offer flexible repayment plans (adjustable installments).

🔹 Supported Sectors:

  • Small Businesses (Shops, Vendors, Home-Based Work)
  • Agriculture & Livestock (Farming, Poultry, Dairy)
  • Skilled Labor (Carpenters, Electricians, Tailors)
  • Startups & Young Entrepreneurs
  • Emergency Needs (Medical, Home Repairs)

Our Partnership with Government Schemes

We collaborate with:
✅ Chief Minister’s Self Employment Scheme (Punjab) – Providing subsidized loans for unemployed youth.
✅ Punjab Rozgar Scheme – Supporting small businesses post-COVID.
✅ Kamyab Jawan Program – Offering startup financing for young entrepreneurs.

These partnerships help us reach more deserving candidates and maximize social impact.

How to Verify Genuine Akhuwat Services?

✅ Only trust our official contacts:

Why Choose Akhuwat Loan Scheme?

FeatureAkhuwatConventional Banks
Interest Rate0% (Islamic)15–30% (Riba-based)
CollateralNot required (small loans)Mandatory
Processing Time2–5 days1–3 months
Target AudiencePoor & middle-classSalaried/established businesses
Repayment FlexibilityAdjustable installmentsFixed EMIs

💡 We prioritize PEOPLE over PROFITS.

Join Us in the Fight Against Poverty

We believe financial inclusion is the key to Pakistan’s prosperity. If you share our vision:

  • Apply for a loan to grow your business.
  • Refer a deserving candidate in need.
  • Donate to support more borrowers.

📞 Contact Us Today:

🌐 Visit: https://akhuwatorg.com

“Empowering Pakistan, One Interest-Free Loan at a Time.”

About Akhuwat Loan Scheme – Interest-Free Microfinance for Pakistan

Our Islamic Mission to Eliminate Poverty

At Akhuwat Loan Scheme, we are revolutionizing financial inclusion in Pakistan through Qard-e-Hasana (benevolent loans) as prescribed in the Holy Quran:

“Who is it that will give Allah a goodly loan so that He may multiply it for him many times over?” (Surah Al-Baqarah 2:245)

Founded on the principles of Islamic brotherhood and social justice, we provide:

  • 100% interest-free loans (50,000 to 50 lakh PKR)
  • Dignified financial support without collateral
  • Nationwide accessibility through digital and branch networks

Our Founding Story: Compassion in Action

Established in 2023, Akhuwat Loan Scheme emerged from a simple yet powerful vision: to break the chains of predatory lending trapping Pakistan’s working class.

Key Milestones:

  • 🟢 2023: Launched first branch in Lahore
  • 🟢 2024: Expanded to all provinces
  • 🟢 2025: Partnered with CM Self Employment Scheme
  • 🟢 10,000+ loans disbursed to date

Our Loan Products

1. Gharib Nawaz Loan

  • For: Daily wage earners
  • Amount: 50,000-200,000 PKR
  • Repayment: 12-24 months

2. Khidmat-e-Khalq Business Loan

  • For: Small shopkeepers
  • Amount: Up to 1 million PKR
  • Special: First loan at 0% markup

3. Zariya-e-Rozgar Agri Loan

  • For: Farmers
  • Amount: 500,000-2 million
  • Feature: Seasonal repayment cycles

Meet Our Sharia Advisory Board

Our operations are guided by renowned Islamic scholars:

  1. Mufti Muhammad Abdullah (Al-Azhar University)
    • Specialization: Islamic Finance
  2. Dr. Amina Khalid (LUMS)
    • Expert in Microfinance Ethics

Transparency Promise

We maintain 100% transparency through:

  • Monthly audit reports on our website
  • Public disclosure of loan disbursements
  • Community verification of beneficiaries